Natural Disaster Risk — ZIP Code 56225

Natural Hazard Profile: ZIP 56225, Minnesota

ZIP 56225 in Clinton sits in the northern tier of the continental United States. Its continental climate produces some of the harshest winters in the lower 48 and warm summers, and notably severe blizzards and spring tornado outbreaks. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 56225 carries an overall risk score of 4.2/10, placing it in the moderate category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to winter and hail.

Within Minnesota, ZIP 56225's risk is, slightly below the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Minnesota identifies cold wave as the foremost hazard, followed by winter and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 56225's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that cold wave exposure is adequately protected is a worthwhile step for property owners.